{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":495,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8941250","_score":22.442425,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding a recent denial of a car loan application and to inquire about potential violations of federal equal rights laws and CFR laws. \n\nOn [ XX/XX/XXXX ], I applied for a car loan with [ Navy federal ]. Unfortunately, my application was denied, citing reasons that were not adequately explained to me. Upon further investigation, I believe that my application may have been denied in violation of federal equal rights laws and CFR laws.\n\nAccording to the Equal Credit Opportunity Act ( ECOA ) and Regulation B of the Consumer Financial Protection Bureau ( CFPB ), lenders are prohibited from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. I have reason to believe that my application denial may have been influenced by one or more of these protected factors.\n\nFurthermore, Regulation B requires lenders to provide applicants with a written explanation of the reasons for adverse action, such as a loan denial. However, I did not receive a clear and specific explanation for the denial of my car loan application, which may be a violation of Regulation B.\n\nI am deeply concerned about the potential violation of my rights under federal equal rights laws and CFR laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with applicable laws and regulations.\n\nAdditionally, I would appreciate any guidance or assistance you can provide in addressing this issue and seeking recourse for any violations that may have occurred. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2024-05-06T21:55:01.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"8941250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-06T21:44:23.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I am deeply concerned about the potential violation of my rights under <em>federal</em> equal rights <em>laws</em> and CFR <em>laws</em>. I respectfully request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this matter to ensure <em>compliance</em> with applicable <em>laws</em> and regulations.\n\nAdditionally, I would appreciate any guidance or <em>assistance</em> you can provide in addressing this issue and <em>seeking</em> recourse for any violations that may have occurred. \n\nThank you for your attention to this matter."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[22.442425,"8941250"]},{"_index":"complaint-public-v1","_id":"7453617","_score":22.284567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to seek your assistance regarding a concerning matter involving Capital One 's apparent disregard for consumer protection regulations and my rights as outlined under U.S Codes : 15 U.S. Code 6801 and 15 U.S. Code 6802. These codes address the Privacy of Consumer Financial Information and the Protection of Nonpublic Personal Information. \n\nI, XXXX XXXX, exercised my legal rights by submitting two simple requests to Capital One : one for validation and another to exercise my right to opt-out of their use of my personal information. Regrettably, I have received no response from Capital One acknowledging these requests. This lack of acknowledgment and compliance makes me question their respect for both the regulator 's authority and federal laws designed to safeguard consumers. \n\nDue to their lack of response and apparent non-compliance, I am left with no choice but to consider legal action to protect my rights. My credit and personal information are important to me, and I am willing to take necessary steps to ensure their security and proper handling. \n\nI kindly request your intervention in this matter. Specifically, I would appreciate your assistance in prompting Capital One to officially remove my personal information from their system and to provide a timely response to your esteemed bureau indicating their compliance with this request. \n\nYour prompt attention and involvement in this situation would be greatly appreciated. Thank you for your dedication to consumer protection, and I look forward to your support in resolving this matter.","date_sent_to_company":"2023-08-24T15:24:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"7453617","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-08-24T14:46:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>seek</em> your <em>assistance</em> regarding a concerning matter involving Capital One 's apparent disregard for <em>consumer</em> <em>protection</em> regulations and my rights as outlined under U.S Codes : 15 U.S. Code 6801 and 15 U.S. Code 6802. These codes address the Privacy of <em>Consumer</em> Financial Information and the <em>Protection</em> of Nonpublic Personal Information."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[22.284567,"7453617"]},{"_index":"complaint-public-v1","_id":"12115667","_score":21.7951,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chase Bank for failing to comply with California state regulations regarding mortgage forbearance repayment options. Specifically, Chase Bank refuses to guarantee payment options that do not require immediate repayment of unpaid amounts ( i.e., no balloon payments ) at the end of the forbearance period, which is a requirement under California law. \n\nAs a borrower effected by XXXX Fire-a federal declared state of emergency- me and my husband sought a forbearance plan from Chase Bank. However, despite our requests for clarification and compliance with state law, Chase Bank has not assured me of any repayment options that align with the protections mandated in California, which should allow for structured, manageable repayment plans instead of lump-sum payments. This failure places undue financial strain on me and potentially other consumers who are entitled to these protections. \n\nI request that the CFPB investigate Chase Banks practices to ensure compliance with California law and that affected borrowers receive the legally mandated repayment options. Furthermore, I seek assistance in obtaining a clear commitment from Chase Bank that they will honor the repayment terms as required. \n\nPlease let me know if additional information is needed to support this complaint. I appreciate your prompt attention to this matter and look forward to your response.","date_sent_to_company":"2025-02-18T20:25:07.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91001","tags":null,"has_narrative":true,"complaint_id":"12115667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-18T20:06:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["This failure places undue financial strain on me and potentially other <em>consumers</em> who are entitled to these <em>protections</em>. \n\nI request that the CFPB investigate Chase Banks practices to ensure <em>compliance</em> with California <em>law</em> and that affected borrowers receive the legally mandated repayment options. Furthermore, I <em>seek</em> <em>assistance</em> in obtaining a clear commitment from Chase Bank that they will honor the repayment terms as required."]},"sort":[21.7951,"12115667"]},{"_index":"complaint-public-v1","_id":"14055080","_score":21.308672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/, I submitted a dispute regarding a credit account to TransUnion through the XXXX XXXX platform. I requested that the account be verified and updated or removed if it could not be properly validated. As of today, it has been well over 30 days, and the dispute is still marked as In Review with no resolution, communication, or supporting documentation provided. \n\nUnder the Fair Credit Reporting Act ( FCRA 611 ), TransUnion is required to complete credit disputes within 30 calendar days. Because that timeframe has passed without response or resolution, I am requesting that the disputed account be removed from my credit report in accordance with the law. \n\nI have made every reasonable attempt to resolve this matter directly through TransUnions dispute process, and I am now seeking CFPB assistance to ensure compliance with federal consumer protection laws.","date_sent_to_company":"2025-06-13T19:32:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"14055080","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-13T19:04:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Because that timeframe has passed without response or resolution, I am requesting that the disputed account be removed from my credit report in accordance with the <em>law</em>. \n\nI have made every reasonable attempt to resolve this matter directly through TransUnions dispute process, and I am now <em>seeking</em> CFPB <em>assistance</em> to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.308672,"14055080"]},{"_index":"complaint-public-v1","_id":"11707085","_score":21.295307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX Experian and XXXX for Failure to Protect Consumer Data and Predatory Practices Dear CFPB, I am filing this complaint against Experian and XXXX for their failure to adequately address and protect my personal information after I discovered it had been linked to the black market. I have been dealing with this issue for over six years, and despite my repeated efforts to seek assistance, their response has been wholly inadequate.\n\nSpecifically : 1. Over six years ago, I became aware that my personal and financial information had been compromised and linked on the black market. I immediately notified both Experian and XXXX to seek their assistance in protecting my data. \nXXXX. Instead of offering meaningful solutions, Experian required me to pay a monthly fee to lock my credit file through their credit lock service. While this was positioned as a protective measure, I find it exploitative that I am forced to pay for protection against a breach I did not cause. \nXXXX. Over the years, Experian has provided no additional assistance to address the ongoing threats or ensure my information remains secure. \nXXXX. XXXX lack of response and effective consumer support has also been extremely frustrating, as they failed to provide meaningful safeguards or updates to help me manage the risk of identity theft. \nThese actions, or lack thereof, highlight a pattern of neglect and profit-driven practices that harm consumers like me. It is unacceptable for credit reporting agencies to place the burdenand costof security on individuals, particularly when those individuals are victims of circumstances beyond their control. \nI am requesting that the CFPB investigate : Why Experian and XXXX have failed to provide adequate protection and guidance for consumers in situations like mine. \nThe fairness of requiring consumers to pay for credit lock services, especially in cases where the consumers data has been compromised through no fault of their own. \nTheir compliance with federal laws regarding consumer protection and data security. \nAfter six years of this ongoing issue, I am left with no choice but to seek your assistance to hold Experian and XXXX accountable for their lack of consumer-focused solutions. \nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-24T03:47:02.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77073","tags":"Servicemember","has_narrative":true,"complaint_id":"11707085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T03:39:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate : Why Experian and XXXX have failed to provide adequate <em>protection</em> and guidance for <em>consumers</em> in situations like mine. \nThe fairness of requiring <em>consumers</em> to pay for credit lock services, especially in cases where the <em>consumers</em> data has been compromised through no fault of their own. \nTheir <em>compliance</em> with <em>federal</em> <em>laws</em> regarding <em>consumer</em> <em>protection</em> and data security."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.295307,"11707085"]},{"_index":"complaint-public-v1","_id":"8846323","_score":21.292835,"_source":{"product":"Debt collection","complaint_what_happened":"Account name WSTSHMRK Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws.","date_sent_to_company":"2024-04-24T13:49:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78250","tags":null,"has_narrative":true,"complaint_id":"8846323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Western-Shamrock Corporation","date_received":"2024-04-24T13:45:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This lack of <em>compliance</em> has prompted me to <em>seek</em> intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I <em>seek</em> your <em>assistance</em> in resolving this matter under <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."]},"sort":[21.292835,"8846323"]},{"_index":"complaint-public-v1","_id":"7579395","_score":21.144918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing inaccuracies on my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and ensuring compliance with federal consumer protection laws. \n\nI initiated a dispute with Experian on XX/XX/2023, reference XXXX XXXX # XXXX, XXXX, XXXX, challenging multiple inaccuracies present on my credit report. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation into disputes within 30 days of receipt. Furthermore, Section 611 ( a ) ( 7 ) mandates that they promptly notify consumers of the results of their investigations.\n\nDespite my attempts to resolve this issue, I have neither received the results of Experian 's investigation nor any verification information confirming that an investigation has taken place. I sent my dispute via certified mail, with proof of receipt, Confirmation # XXXX and have diligently followed up with Experian on multiple occasions. Each time, I have encountered lengthy hold times, over two hours, assurances that a manager would contact me ( which never occurred ), and a lack of resolution or clarity regarding the status of my dispute.\n\nAs the FCRA stipulates, should a credit reporting agency fail to comply with the investigation timelines and verification requirements detailed in Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), they are obligated under Section 611 ( a ) ( 5 ) ( A ) to promptly delete the disputed information from the consumer 's credit report.\n\nI am seeking the assistance of the Consumer Financial Protection Bureau to rectify this situation. Enclosed with this letter are copies of my original dispute letter, certified mail receipt, and all relevant supporting documentation for your reference.\n\nI kindly request that the Consumer Financial Protection Bureau investigate th\nis matter and take appropriate action to ensure that Experian complies with federal consumer protection laws by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.\n\nI look forward to your assistance in resolving this issue and achieving compliance with the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification you may require during your investigation. \n\nThank you for your prompt attention to this matter, and I anticipate a timely resolution. \n\nXXXX XXXX","date_sent_to_company":"2023-09-20T22:15:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"7579395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-20T21:48:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate th\nis matter and take appropriate action to ensure that Experian complies with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em> by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.\n\nI look forward to your <em>assistance</em> in resolving this issue and achieving <em>compliance</em> with the FCRA."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.144918,"7579395"]},{"_index":"complaint-public-v1","_id":"9262509","_score":20.990196,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Navy Federal Credit Union regarding an unauthorized overdraft on my checking account and their failure to comply with federal consumer protection regulations. \n\nDetails of the Complaint : Account Holder Name : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Incident Date : [ XX/XX/year> ] Credit Union XXXX XXXX Navy Federal Credit Union Summary of the Issue : On [ XXXX XXXX ], my checking account with Navy Federal Credit Union was overdrawn, resulting in a negative balance. I did not authorize any transactions that would have led to this situation. Despite multiple communications with Navy Federal, they have refused to rectify the negative balance or acknowledge their non-compliance with federal regulations. \n\nKey Points of Concern : Unauthorized Overdraft : I did not opt-in for overdraft services on my account. According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions must obtain explicit consent from account holders before processing transactions that would result in an overdraft. Navy Federal failed to comply with this requirement.\n\nFailure to Correct the Negative Balance : Navy Federal has not taken any corrective action to rectify the negative balance on my account despite my repeated requests. This has caused significant inconvenience and financial strain. \nNon-Compliance with Federal Regulations : The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) mandates transparency and fairness in overdraft practices. Navy Federal 's actions violate these protections by subjecting me to an overdraft without explicit consent.\n\nAttempts to Resolve : I have made several attempts to resolve this matter directly with Navy Federal through their eMessaging service. However, they have responded that they consider the matter closed and have refused to provide a satisfactory resolution. They have failed to address my concerns in accordance with federal consumer protection laws. \n\nRequested Resolution : I am seeking the CFPB 's assistance in ensuring that Navy Federal : Rectifies the negative balance on my account.\n\nEnsures that no fees or penalties are applied to my account as a result of this incident.\n\nComplies with federal consumer protection laws to prevent such issues in the future.\n\nI have attached copies of the communications with Navy Federal for your reference. \n\nThank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. \n\nSincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2024-06-14T19:12:31.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"70058","tags":null,"has_narrative":true,"complaint_id":"9262509","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-14T18:58:33.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Requested Resolution : I am <em>seeking</em> the CFPB 's <em>assistance</em> in ensuring that Navy <em>Federal</em> : Rectifies the negative balance on my account.\n\nEnsures that no fees or penalties are applied to my account as a result of this incident.\n\nComplies with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em> to prevent such issues in the future.\n\nI have attached copies of the communications with Navy <em>Federal</em> for your reference. \n\nThank you for your attention to this matter."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[20.990196,"9262509"]},{"_index":"complaint-public-v1","_id":"13323674","_score":20.84417,"_source":{"product":"Debt collection","complaint_what_happened":"Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. \n\nExperian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. \n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T19:48:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"31313","tags":null,"has_narrative":true,"complaint_id":"13323674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-04T19:13:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full <em>compliance</em> with the FCRA, I will have no choice but to pursue legal action to <em>seek</em> monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under <em>federal</em> <em>law</em>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.84417,"13323674"]},{"_index":"complaint-public-v1","_id":"13331330","_score":20.83582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. \n\nXXXX, Equifax, and XXXX  have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. \n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T20:10:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31313","tags":null,"has_narrative":true,"complaint_id":"13331330","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-04T19:54:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full <em>compliance</em> with the FCRA, I will have no choice but to pursue legal action to <em>seek</em> monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under <em>federal</em> <em>law</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.83582,"13331330"]},{"_index":"complaint-public-v1","_id":"13323607","_score":20.815031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. \n\nTransUnion, Equifax, and Experian have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. \n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T20:30:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31313","tags":null,"has_narrative":true,"complaint_id":"13323607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-04T20:14:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full <em>compliance</em> with the FCRA, I will have no choice but to pursue legal action to <em>seek</em> monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under <em>federal</em> <em>law</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.815031,"13323607"]},{"_index":"complaint-public-v1","_id":"11706677","_score":20.813826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Longstanding Complaint Against XXXX and TransUnion for Failure to Protect Consumer Data and Predatory Practices Dear CFPB, I am filing this complaint against XXXX and TransUnion for their failure to adequately address and protect my personal information after I discovered it had been linked to the black market. I have been dealing with this issue for over six years, and despite my repeated efforts to seek assistance, their response has been wholly inadequate.\n\nSpecifically : 1. Over six years ago, I became aware that my personal and financial information had been compromised and linked on the black market. I immediately notified both XXXX and TransUnion to seek their assistance in protecting my data. \n2. Instead of offering meaningful solutions, XXXX required me to pay a monthly fee to lock my credit file through their credit lock service. While this was positioned as a protective measure, I find it exploitative that I am forced to pay for protection against a breach I did not cause. \nXXXX. Over the years, XXXX has provided no additional assistance to address the ongoing threats or ensure my information remains secure. \nXXXX. XXXX lack of response and effective consumer support has also been extremely frustrating, as they failed to provide meaningful safeguards or updates to help me manage the risk of identity theft. \nThese actions, or lack thereof, highlight a pattern of neglect and profit-driven practices that harm consumers like me. It is unacceptable for credit reporting agencies to place the burdenand costof security on individuals, particularly when those individuals are victims of circumstances beyond their control. \nI am requesting that the CFPB investigate : Why XXXX and TransUnion have failed to provide adequate protection and guidance for consumers in situations like mine. \nThe fairness of requiring consumers to pay for credit lock services, especially in cases where the consumers data has been compromised through no fault of their own. \nTheir compliance with federal laws regarding consumer protection and data security. \nAfter six years of this ongoing issue, I am left with no choice but to seek your assistance to hold XXXX and TransUnion accountable for their lack of consumer-focused solutions. \nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-24T03:47:12.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77073","tags":"Servicemember","has_narrative":true,"complaint_id":"11706677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-24T03:47:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate : Why XXXX and TransUnion have failed to provide adequate <em>protection</em> and guidance for <em>consumers</em> in situations like mine. \nThe fairness of requiring <em>consumers</em> to pay for credit lock services, especially in cases where the <em>consumers</em> data has been compromised through no fault of their own. \nTheir <em>compliance</em> with <em>federal</em> <em>laws</em> regarding <em>consumer</em> <em>protection</em> and data security."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.813826,"11706677"]},{"_index":"complaint-public-v1","_id":"13861224","_score":20.515615,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear Sir or Madam, Subject : Complaint Against XXXX XXXX XXXX for XXXX Fees I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX at XXXX Stripling Chapel XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a disputed balance of {$150.00} charged to my account. I believe these charges were not properly disclosed, in violation of federal consumer protection laws, and I seek your assistance in resolving this matter. \nOn XX/XX/year>, I deposited a check for {$3500.00} with XXXX XXXX XXXX, which I repaid in full on XX/XX/year>. Subsequently, I was charged a balance of {$150.00}, consisting of a {$100.00} fee and a {$40.00} fee. These charges were not disclosed to me at the time of the transaction, nor were they explained verbally or in writing in a clear and conspicuous manner. I later discovered that the terms outlining these fees were printed on the back of a flyer provided by the lender, in what I consider an inconspicuous location, making it difficult for a reasonable consumer to notice or understand them. \nUnder the Truth in Lending Act ( XXXX ) and other applicable federal regulations, lenders are required to clearly disclose all fees and terms associated with a financial transaction before the consumer is bound by the agreement. The failure to prominently display or explain these charges leads me to believe that XXXX XXXX XXXX did not comply with these legal requirements. \nI have formally disputed this balance with XXXX XXXX XXXX in a letter addressed to XXXX XXXX XXXX at their XXXX branch sent concurrently with this complaint on XX/XX/year> and have requested a detailed explanation of the charges, removal of the {$150.00} balance, and confirmation that no additional fees will be applied. To date, I have not received a satisfactory response. I have recorded the conversation that I initially had which is approximately XXXX minutes in total. \nI respectfully request that the Consumer Financial Protection Bureau investigate this matter to determine whether XXXX XXXX XXXX practices comply with federal consumer protection laws. Specifically, I ask for : 1. A review of the lenders disclosure practices to ensure compliance with the Truth in Lending Act.\n\n2. Removal of the {$150.00} balance from my account.\n\n3. Assurance that no further unauthorized charges are applied to my account. \n\nThank you for your attention to this matter. I look forward to your assistance in resolving this complaint and ensuring fair treatment under federal consumer protection laws. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-03T20:47:49.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"30117","tags":"Older American","has_narrative":true,"complaint_id":"13861224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"1st Franklin Financial Corporation","date_received":"2025-06-03T20:32:59.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I look forward to your <em>assistance</em> in resolving this complaint and ensuring fair treatment under <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[20.515615,"13861224"]},{"_index":"complaint-public-v1","_id":"8025196","_score":20.034012,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Demand for <em>Compliance</em> and Accuracy : I have demanded documented proof of <em>compliance</em> with reporting standards and <em>consumer</em> <em>protection</em> <em>laws</em>. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of <em>compliance</em>. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and <em>compliance</em> with regulatory mandates for credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[20.034012,"8025196"]},{"_index":"complaint-public-v1","_id":"8411115","_score":19.75741,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against CarMax regarding their refusal to honor my opt-out request dated XX/XX/year>, in accordance with 15 USC 6802. \n\nOn XX/XX/year>, I submitted a written opt-out request to CarMax, XXXX requesting that they cease sharing my nonpublic personal information with third parties & the consumer reporting agencies ; XXXX XXXX XXXX XXXX XXXX is my right under the provisions of 15 USC 6802. However, despite the clear and unambiguous nature of my request, CarMax has failed to comply with it. \n\nDespite my repeated attempts to follow up with CarMax regarding the status of my opt-out request, they have provided no indication that any action has been taken to honor my request. This non-compliance not only violates my rights under federal law but also undermines my ability to control the dissemination of my personal information. \n\nI have made diligent efforts to resolve this matter directly with CarMax, but their lack of responsiveness and disregard for my rights necessitates intervention from an appropriate regulatory authority. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that CarMax complies with federal law and promptly honors my opt-out request. \n\nEnclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax. \n\nI appreciate your attention to this matter and respectfully request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure CarMax 's compliance with the law. \n\nThank you for your prompt attention to this important issue.","date_sent_to_company":"2024-02-23T17:59:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19904","tags":null,"has_narrative":true,"complaint_id":"8411115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2024-02-23T17:51:34.000Z","state":"DE","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Therefore, I am <em>seeking</em> the <em>assistance</em> of the <em>Consumer</em> Financial <em>Protection</em> Bureau to ensure that CarMax complies with <em>federal</em> <em>law</em> and promptly honors my opt-out request. \n\nEnclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.75741,"8411115"]},{"_index":"complaint-public-v1","_id":"15147666","_score":19.464203,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Adverse Action and Improper Use of Credit File American Express Details : I applied for a credit card account with American Express in good faith and was denied credit. I did not receive a clear reason for the denial or an official Adverse Action Notice, which I believe is required under the Equal Credit Opportunity Act ( ECOA ). \n\nFurthermore, my Social Security number and credit file were accessed in connection with this application, yet I received no benefit. I believe this constitutes unauthorized use of my credit file. \n\nAmerican Express may be in violation of the following laws and regulations : 15 U.S.C. 1691 ( ECOA ) 15 U.S.C. 1681m ( FCRA ) 15 U.S.C. 1642 12 CFR 1002 I have written a formal adverse action letter to American Express and am requesting the CFPB to review this matter and ensure compliance with federal consumer protection laws. I am seeking clarification, correction, and compensation if applicable. \n\nThank you for your assistance.","date_sent_to_company":"2025-08-07T16:26:38.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"29045","tags":null,"has_narrative":true,"complaint_id":"15147666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-08-07T16:17:54.000Z","state":"SC","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["American Express may be in violation of the following <em>laws</em> and regulations : 15 U.S.C. 1691 ( ECOA ) 15 U.S.C. 1681m ( FCRA ) 15 U.S.C. 1642 12 CFR 1002 I have written a formal adverse action letter to American Express and am requesting the CFPB to review this matter and ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. I am <em>seeking</em> clarification, correction, and compensation if applicable. \n\nThank you for your <em>assistance</em>."]},"sort":[19.464203,"15147666"]},{"_index":"complaint-public-v1","_id":"7209269","_score":19.44889,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, one of the three major credit reporting agencies. Despite multiple attempts on my part to resolve a serious issue involving a fraudulent account on my credit report, Experian has failed to address my concerns adequately and in compliance with federal consumer protection laws. \n\nOn XX/XX/XXXX of this year, I notified all three credit bureaus, including Experian, of an account fraudulently opened under my name. I filed a formal report with the Federal Trade Commission ( FTC ) to back up my claim and requested the removal of this account from my credit report. \n\nXXXX and XXXX promptly deleted the fraudulent account from my credit reports. However, Experian responded by stating that the account was \" verified ''. I followed up with a second letter to Experian, detailing my dispute and requesting proper investigation into this matter. \n\nIn response, I received an automated email from Experian stating that no action will be taken, as they believed the dispute to have been filed by a \" third party ''. I affirm that this is not the case, and I am personally seeking the correction of my credit report. \n\nTherefore, I am seeking your assistance in requiring Experian to : Conduct a thorough and proper investigation into my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). \nRemove the fraudulent account from my credit report, as already done by XXXX and XXXX. \nRemove any address associated with my credit report other than my current address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nProvide financial relief for their failure to investigate properly and comply with the FCRA and related consumer protection laws. \nExperian 's lack of proper response and their failure to conduct a thorough investigation as required by law has caused me significant financial and emotional distress. I am hopeful that the intervention of the CFPB can lead to an expedited resolution of this matter. \n\nI appreciate your prompt attention to this issue and look forward to your response.","date_sent_to_company":"2023-07-05T20:46:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32829","tags":null,"has_narrative":true,"complaint_id":"7209269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-05T20:20:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear <em>Consumer</em> Financial <em>Protection</em> Bureau, I am writing to file a formal complaint against Experian, one of the three major credit reporting agencies. Despite multiple attempts on my part to resolve a serious issue involving a fraudulent account on my credit report, Experian has failed to address my concerns adequately and in <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.44889,"7209269"]},{"_index":"complaint-public-v1","_id":"8408554","_score":19.18364,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX. \nXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Assistance in Validating Debt Collection Rights by Specialized Loan Servicing LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with a matter that deeply concerns my financial well-being and peace of mind. Specialized Loan Servicing LLC ( SLS ) has been attempting to collect a mortgage debt from me, claiming they have purchased this debt from XXXX XXXX. Given the lack of transparency and the refusal to accept payments, combined with SLS 's past litigation history for similar issues, I have significant doubts regarding their legal standing and compliance with necessary regulatory requirements to enforce this debt collection.\n\nIn light of these concerns, I respectfully request the CFPB 's help in requiring SLS to provide the following critical information and documentation to verify their legal right to collect this debt : 1. ) The Original Credit Agreement between myself and XXXX XXXX, as per TILA ( 15 U.S.C. 1641 ( g ) ).\n\n2. ) Complete Assignment and Chain of Title Documentation, showing the legal sale and transfer of my mortgage debt to SLS, in compliance with the UCC.\n\n3. ) Detailed Account Statements as mandated by RESPA ( 12 U.S.C. 2605 ), outlining the calculation of the current amount due. \n\n4. ) Evidence of SLS 's Compliance with state licensing requirements for debt collection.\n\n5. ) Verification of the Debt as outlined in the FDCPA ( 15 U.S.C. 1692g ), including a detailed validation of the amount claimed.\n\n6. ) Documentation of FDCPA Compliance ( 15 U.S.C. 1692 et seq. ), ensuring that SLS 's collection practices adhere to federal standards protecting consumers from abuse.\n\nMy request stems from a need to ensure that all collection efforts against me are grounded in legality and fairness. The distrust that has emerged from SLS 's actions including their refusal to communicate effectively and provide necessary documentation underscores the importance of this request.\n\nI believe that the CFPB 's intervention in this matter is crucial to not only validate the claims made by SLS but also to uphold the principles of consumer protection enshrined in our laws.\n\nThank you for your attention to this matter and for your ongoing commitment to safeguarding consumers ' rights. \n\nSincerely, XXXX XXXX XXXX XXXX. \nP.S.","date_sent_to_company":"2024-02-23T23:35:38.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"19050","tags":"Servicemember","has_narrative":true,"complaint_id":"8408554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2024-02-23T22:54:56.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["XX/XX/year> <em>Consumer</em> Financial <em>Protection</em> Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for <em>Assistance</em> in Validating Debt Collection Rights by Specialized Loan Servicing LLC Dear <em>Consumer</em> Financial <em>Protection</em> Bureau, I am writing to <em>seek</em> your <em>assistance</em> with a matter that deeply concerns my financial well-being and peace of mind. Specialized Loan Servicing LLC ( SLS ) has been attempting to collect a mortgage debt from me, claiming they have purchased this debt from XXXX XXXX."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.18364,"8408554"]},{"_index":"complaint-public-v1","_id":"11965317","_score":19.167692,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Foreclosure Sale Despite Filed Temporary Restraining Order Dear CFPB, I am writing to file a formal complaint concerning a foreclosure sale that occurred on my property, despite my filing of a Temporary Restraining Order ( TRO ) with the court. This situation has caused significant distress and financial harm, and I believe it warrants your immediate attention. The details of my case are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Case Number : XXXX **Date TRO Filed : ** XX/XX/XXXX Despite the legal protection provided by the TRO, XXXX proceeded with the foreclosure sale XXXX directly violating the court 's order. This action not only undermines the legal process but also raises serious concerns about XXXX 's compliance with state and federal regulations regarding foreclosure practices. I have made numerous attempts to communicate with XXXX regarding my situation and to seek a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. \n\nI respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to consumer protection laws and ethical lending practices. It is crucial that consumers are safeguarded from such violations, especially when they are actively seeking to resolve their financial issues through legal channels. Thank you for your attention to this pressing matter. I look forward to your response and any assistance you can provide. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-06T23:54:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Manufactured home loan","zip_code":"37865","tags":"Servicemember","has_narrative":true,"complaint_id":"11965317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2025-02-06T23:48:14.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["I have made numerous attempts to communicate with XXXX regarding my situation and to <em>seek</em> a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. \n\nI respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to <em>consumer</em> <em>protection</em> <em>laws</em> and ethical lending practices."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.167692,"11965317"]},{"_index":"complaint-public-v1","_id":"11087132","_score":19.153973,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an account reported by Transworld Systems Inc. on my credit report. I have no knowledge of this alleged debt, nor have I received any documentation validating its legitimacy. Despite my efforts to resolve this matter directly with Transworld Systems Inc., they have failed to provide the required information, which is a violation of federal consumer protection laws. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt. This validation must include clear documentation that the debt is legitimately tied to me, details about the original creditor, and the amount owed. Transworld Systems Inc. has failed to comply with this requirement. \n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure that any information they report is accurate and complete. I have disputed this account with the credit bureaus ; however, Transworld Systems Inc. continues to report the alleged debt without proper validation, violating the FCRA 's provisions for handling disputed information. \n\nThe continued reporting of this unvalidated account is causing undue harm to my creditworthiness and financial standing. Furthermore, under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information they report. The lack of documentation and failure to resolve my dispute violates this obligation. \n\nI request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek : The immediate removal of the unvalidated account from my credit report across all bureaus. \nConfirmation from Transworld Systems Inc. that they will cease collection activities unless proper validation of the debt can be provided in compliance with federal law. \nThank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal credit and debt collection laws and restoring accuracy to my credit report.","date_sent_to_company":"2024-12-09T21:43:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89104","tags":null,"has_narrative":true,"complaint_id":"11087132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-12-09T21:39:09.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Confirmation from Transworld Systems Inc. that they will cease collection activities unless proper validation of the debt can be provided in <em>compliance</em> with <em>federal</em> <em>law</em>. \nThank you for your attention to this matter. I look forward to your <em>assistance</em> in ensuring <em>compliance</em> with <em>federal</em> credit and debt collection <em>laws</em> and restoring accuracy to my credit report."]},"sort":[19.153973,"11087132"]},{"_index":"complaint-public-v1","_id":"9482553","_score":18.916092,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to seek your assistance regarding a dispute with Bank of America that involves the apparent deletion of my account from their system despite an outstanding balance of {$23000.00} reported under my name. Despite my repeated requests, Bank of America has stated that I do not have an account with them, which conflicts with their claims and efforts to collect a debt they allege is owed. \n\nHere are the key issues : Denied Access to Information : I have been unable to obtain any account statements or transaction histories, which are crucial for resolving this matter and for ongoing investigations by my local police department. \nFailure to Provide Required Information : Under federal law, I am entitled to a full disclosure of all pertinent information regarding accounts opened in my name, even if I reported as an identity theft account especially in light of potential identity theft or fraudulent activities. \n\nThe lack of access to these crucial documents has severely impeded my ability to clear my name and resolve the financial discrepancies reported under my social security number. \n\nI respectfully request that the CFPB facilitate communication with Bank of America to : 1. Confirm the existence or non-existence of the account supposedly deleted.\n\n2. Obtain all relevant statements and transaction records related to the account to assist with police investigations and my personal records. \n\nYour assistance in this matter is crucial to rectify the ongoing issues with Bank of America and to ensure compliance with consumer protection laws. \n\nThank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance.","date_sent_to_company":"2024-07-12T03:20:28.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"9482553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-07-12T03:03:01.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Your <em>assistance</em> in this matter is crucial to rectify the ongoing issues with Bank of America and to ensure <em>compliance</em> with <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nThank you for your attention to this urgent matter. I am looking forward to your prompt response and <em>assistance</em>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.916092,"9482553"]},{"_index":"complaint-public-v1","_id":"15457346","_score":18.846445,"_source":{"product":"Prepaid card","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute U.S. Banks seizure of my unemployment insurance benefits that were deposited onto my ReliaCard account. These funds are exempt from offset or setoff under federal and state law, and U.S. Banks actions were unlawful.\n\nSpecifically : 1. My unemployment benefits were loaded onto my U.S. Bank ReliaCard account, which is intended solely for the distribution of unemployment insurance.\n\n2. U.S. Bank removed these funds to satisfy a negative balance/charged-off debt allegedly owed to the bank.\n\n3. I filed a dispute, and while I was given provisional credit, it was later reversed, leaving me without access to my unemployment funds.\n\nUnder 42 U.S.C. 407 and related provisions of the Social Security Act, unemployment benefits are exempt from garnishment, levy, or setoff except for very limited circumstances ( such as child support, federal tax debts, or benefit overpayments ). None of those apply to my case.\n\nTherefore, U.S. Banks actions violated : Federal law protecting unemployment benefits from seizure ; The Electronic Funds Transfer Act ( Regulation E ), by failing to conduct a fair and reasonable investigation of my dispute ; and My rights as a consumer and beneficiary of state unemployment insurance programs.\n\nI am requesting the following remedies immediately : The full return of all unemployment benefit funds wrongfully taken from my ReliaCard account.\n\nA complete written explanation of U.S. Banks actions and investigation findings.\n\nConfirmation that no future setoff, charge, or seizure will be taken against unemployment benefits deposited into this account.\n\nIf this issue is not resolved, I will pursue further remedies by escalating to the Consumer Financial Protection Bureau, my state Department of Labor, and seeking assistance from legal aid/consumer protection attorneys.\n\nPlease consider this my formal demand for compliance with federal law and the return of my protected unemployment benefits. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-22T13:44:33.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"80260","tags":null,"has_narrative":true,"complaint_id":"15457346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-08-22T13:33:21.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["If this issue is not resolved, I will pursue further remedies by escalating to the <em>Consumer</em> Financial <em>Protection</em> Bureau, my state Department of Labor, and <em>seeking</em> <em>assistance</em> from legal aid/<em>consumer</em> <em>protection</em> attorneys.\n\nPlease consider this my formal demand for <em>compliance</em> with <em>federal</em> <em>law</em> and the return of my protected unemployment benefits. \n\nSincerely, XXXX XXXX"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.846445,"15457346"]},{"_index":"complaint-public-v1","_id":"19682966","_score":18.825289,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding unauthorized debit card transactions that were not properly resolved by my bank. \n\nBeginning in XXXX, my debit card was charged multiple times in the amount of {$9.00} by a merchant identified as XXXX. I did not authorize, enroll in, or knowingly approve any subscription or recurring payment with this merchant. \n\nI reported these transactions to Chase Bank as fraud and requested reimbursement. Despite this, Chase declined to assist or provide reimbursement and did not provide adequate documentation explaining why the charges were considered authorized. \n\nUnder the XXXX Funds Transfer Act ( XXXX ), consumers are protected from unauthorized electronic fund transfers when reported. I reported the issue promptly after discovering the recurring charges and expected a reasonable investigation, which does not appear to have occurred. \n\nI am requesting that Chase Bank : Reimburse all unauthorized XXXX charges Provide written documentation supporting their decision to deny my claim Confirm the merchant is blocked from future transactions Ensure compliance with federal consumer protection laws I am seeking CFPB assistance to ensure this matter is reviewed fairly and resolved appropriately.","date_sent_to_company":"2026-02-21T19:25:54.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"19682966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-21T19:19:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I am requesting that Chase Bank : Reimburse all unauthorized XXXX charges Provide written documentation supporting their decision to deny my claim Confirm the merchant is blocked from future transactions Ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em> I am <em>seeking</em> CFPB <em>assistance</em> to ensure this matter is reviewed fairly and resolved appropriately."]},"sort":[18.825289,"19682966"]},{"_index":"complaint-public-v1","_id":"8096744","_score":18.74382,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding the inaccurate information present on my consumer report and their failure to rectify these errors, thereby violating my consumer rights as protected under various laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2. \n\nI have recently attempted to correct the inaccuracies on my credit report with Experian through a formal dispute process. Despite providing clear evidence and adhering to the proper procedures outlined by the FCRA, Experian has failed to address the discrepancies and uphold their responsibilities as a consumer reporting agency. \n\nThe inaccuracies in question include non-mailable addresses and incorrect personal information. The erroneous addresses are as follows : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These inaccurate addresses are currently affecting my credit report, leading to potential harm to my creditworthiness. I have provided Experian with the correct and sole address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, Experian has inaccurately reported my full legal name as well as my date of birth. My correct name is XXXX XXXX, and my accurate date of birth is XXXX Any other name or birthdate reported is a direct violation of my consumer rights under the FCRA. \n\nI am prepared to take legal action against Experian for their non-compliance with the FCRA, specificaXXXXly 15 U.S. Code 1681s2. This section outlines the responsibilities of furnishers of information to consumer reporting agencies and prohibits the reporting of information that is known to be inaccurate. \n\nI am also relying on other permissible use laws to defend my consumer rights, and I request the Consumer Financial Protection Bureau to investigate this matter thoroughly. The actions of Experian have not only violated federal law but have also put my financial well-being at risk. \n\nI am seeking your assistance in ensuring that Experian adheres to the legal obligations set forth in the FCRA and other applicable laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation. \n\nThank you for your prompt assistance and commitment to protecting consumer rights. Additionally, I do not consent to e-Oscar or any means of automated verification","date_sent_to_company":"2024-01-04T04:56:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8096744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-04T04:47:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am also relying on other permissible use <em>laws</em> to defend my <em>consumer</em> rights, and I request the <em>Consumer</em> Financial <em>Protection</em> Bureau to investigate this matter thoroughly. The actions of Experian have not only violated <em>federal</em> <em>law</em> but have also put my financial well-being at risk. \n\nI am <em>seeking</em> your <em>assistance</em> in ensuring that Experian adheres to the legal obligations set forth in the FCRA and other applicable <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.74382,"8096744"]},{"_index":"complaint-public-v1","_id":"9161418","_score":18.723557,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to express my concerns and seek guidance regarding an issue I am experiencing with a creditor who has charged off my debt. I have requested a 1099-C form, which is required for tax purposes, but the response I received from the creditor has left me uncertain about the next steps I should take. \n\nOn XX/XX/year>, I formally requested a 1099-C form from Navy Federal Credit Union to properly report the cancellation of debt income on my tax return. Subsequently, I received an email from Navy Federal Credit Union stating that the charge-off is considered a loss for them. This response has caused confusion, as it does not clearly address my request for the 1099-C form. \n\nA charge-off occurs when a credit card issuer writes off a debt as uncollectible, and they no longer consider the debt as an asset. I have read if you settle your debt after a charge-off, the creditor is required to issue a 1099-C form if the amount paid to the creditor or collector includes a savings off the balance of {$600.00} or more. The 1099-C form filed by the creditor is usually the trigger for the Internal Revenue Service to notify you of taxes due on the forgiven debt. Additionally, the lender will likely issue a 1099-C tax form to the debtor and receive a corresponding tax deduction for the uncollectable amount. \n\nI understand that, under the Internal Revenue Code, creditors are generally required to issue a 1099-C form for cancelled debts of {$600.00} or more. However, the email I received from Navy Federal Credit Union did not provide the necessary documentation, leaving me unsure of my obligations and how to proceed. \n\nAdditionally, I am aware that there are specific consumer protection laws related to charge-offs and the handling of cancelled debt. According to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer laws, creditors are obligated to provide accurate information and comply with reporting requirements. The lack of a 1099-C form and the ambiguous communication I received may potentially violate these provisions, and it has created undue stress and confusion for me.\n\nGiven these circumstances, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. Specifically, I would like guidance on the following : How should I proceed if a creditor refuses or fails to provide a 1099-C form after a charge-off?\n\nWhat are my rights under consumer protection laws regarding the issuance of a 1099-C form and the proper handling of charge-offs? \n\nWhat steps can I take to ensure compliance from the creditor and to protect myself from any potential legal or financial repercussions? \n\nI appreciate your time and attention to this matter and look forward to your guidance. \n\nPlease let me know if there are any additional details or documentation required to facilitate your investigation and assistance. \n\nThank you for your help. \n\nSincerely, XXXX","date_sent_to_company":"2024-06-12T15:39:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33619","tags":null,"has_narrative":true,"complaint_id":"9161418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-03T18:24:56.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Given these circumstances, I am <em>seeking</em> <em>assistance</em> from the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) to help resolve this matter. Specifically, I would like guidance on the following : How should I proceed if a creditor refuses or fails to provide a 1099-C form after a charge-off?\n\nWhat are my rights under <em>consumer</em> <em>protection</em> <em>laws</em> regarding the issuance of a 1099-C form and the proper handling of charge-offs?"],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[18.723557,"9161418"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":495,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":495}]}},"product":{"doc_count":495,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":315,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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